When you enter into a car finance agreement, it can feel very final and like there is no way out. We all know that signing up to a car finance agreement is a big decision that should be properly considered, but many of us don’t […]

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Buying a new vehicle is exciting, and car finance can make getting your dream car more affordable. Whether it is your first car or it is time to trade in your old banger for a new ride, there are a few things to watch out […]

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Using a finance agreement is a popular way of funding a car purchase. It can give you access to vehicles that might usually be out of your price range and gives you the chance to split the cost over several years instead of paying out […]

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Finance plans are a very popular way of purchasing vehicles. Many car owners choose to buy their cars through finance agreements as opposed to outright as there are many benefits such as splitting the cost over many months. The confusion comes when you want to […]

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Arranging car finance isn’t always easy, and when you are exploring all your options, the chances are you will come across some financial jargon that you just don’t understand. It is vital that you know exactly what you are looking at it when it comes […]

Starting up a new business or growing your existing business is no easy task. It takes hard work, time and money to grow a business, and many new and small companies struggle to find the funding they need. As a business owner, it can be […]

If you have a newly formed business, then you may find that generating cash is a difficult feat – getting accepted for a business loan is difficult at the best of times but add being new to the business world to the mix, and you […]

With the hugely popular credit card facility and the ability to purchase just about anything anywhere comes a risk of fraud. Globally, credit card fraud is serious and run into billions of pounds and takes different forms. In 2015 financial fraud cost a total of […]

Running a business is incredibly difficult, and sometimes, the worst happens. Sometimes, you can’t afford to pay your bills, and you find yourself in financial disarray. A company goes into what we call insolvency when they can no longer afford to pay their debts – […]

While all business owners, small or otherwise, dream of affluence and positive business transactions, sometimes life gets in the way and business starts to suffer, leading to cash flow issues beyond your control. If this is the case, then accessing and ultimately addressing the situation […]

Mastering the financial markets can be difficult, and with many different options of what to do with your money, it can be hard to know what is the best for you. Especially when you consider the best returns or the level of risk you want […]

Being a motorist is expensive, particularly if you’re a car owner and have a regular commute to and from work. When getting rid of your car entirely isn’t an option, looking at ways to cut down your transport costs is the next best step. Luckily, […]

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Money makes the world go round, which means it’s never too early to start teaching your children how to manage it wisely. In fact, according to Parents magazine, two or three years old is an ideal time to start because your kids love to play […]

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Despite the government saying austerity is over, many are still feeling the pinch financially. While we’d all probably like to earn a bit more money to help ease the financial squeeze, for most, this isn’t an option. Reducing your monthly outgoings is, however, meaning you […]

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According to UK Finance, last year the average mortgage for first-time buyers was £145,000, and the average deposit was 15.6%. This equates to a deposit of around £22,000, a pretty daunting figure and one that could put you off if you don’t have any money […]

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Household bills make up one of the most significant cumulative costs homeowners and renters have to pay each month and finding ways to reduce the monthly costs is a question that’s raised on a regular basis. While it’s easy to say that the best way […]

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Energy bills are very expensive, especially during the winter months. However, it doesn’t have to be that way. There are many tricks that you can follow to cut your utility bills and save money on gas and electricity. According to Ofgem, the average household could […]

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The average wedding now costs over £20,000, but you don’t need to spend a small fortune to have the day of your dreams. Planning your wedding will be much easier if you start saving early. Here are some steps to help you save for your […]

With Christmas just around the corner, your mind is no doubt turning to how to pay for what is probably the most expensive season of the year. According to the Bank of England, we spend £500 more in December than we do any other month […]

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There’s nothing more exciting than planning and booking a holiday. Whether you’re a home bird who loves exploring the wonders that the UK holds, a jet-setter with sun, sea and sand in mind or someone who likes a thrilling city break, knowing that you’re in […]

According to a survey carried out earlier this year by Skipton Building Society, a quarter of adults in the UK have no savings at all; this includes one in ten people over 55, who have set nothing aside for retirement. Over a third of those […]

While loans are there to help you through difficult times, keeping on top of payments is especially important to keeping your credit rating secure and ensuring your financial situation stays in tip-top shape. Finding yourself in a difficult financial situation can be incredibly difficult, especially […]

Posted in Debt, Loans | Comments Off on What To Do If You Can’t Pay Back Your Loan

Credit unions are community-based financial institutions that are owned and controlled by their members. Traditionally, they were set up by groups with a common bond, e.g. workers, trade unions or people who all lived in the same area, but this changed in 2012 and now […]

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Recurring payments – continuous payment authorities – are regular outgoings that leave your financial accounts in the same way that a direct debit would work. While they look like direct debits, they definitely aren’t. Continuous payment authorities (CPA) allow companies and external money providers to […]

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Declaring bankruptcy is a way for you to become debt free when you can’t pay your creditors. It’s a big decision, one that can have long-term effects on your daily life and may not be right for everyone. What You Need To Know About Declaring […]

Posted in Credit, Debt | Comments Off on What Happens When You Are Made Bankrupt?

Doorstep and home credit loans are one in the same thing, a way of lending money without having to apply to a bank, building society or credit union for a loan. Instead, loans are provided by home credit lenders who visit you at home to […]

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The Irish Payment Services Organisation (IPSO) claims that card fraud is a rapidly growing concern in the UK and Ireland and has serious impacts for all of us – not just on banks and building societies but on retailers and cardholders as well. The SafeCard.ie […]

Posted in Banking, Credit Cards | Comments Off on How to Avoid Credit & Debit Card Fraud With Irelands SafeCard.ie & The IPSO

Whether you are planning on applying for credit or just like to keep track of your finances and credit score, getting a free credit report is often a good idea. There are hundreds of websites out there offering credit reports and other services and knowing […]

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It is not uncommon for small to medium businesses to experience cash flow problems, especially when they have a number of outstanding invoices waiting to be paid. Large enterprises are notorious for making late payments to smaller companies, and for entrepreneurs and new businesses, it […]

Being turned down for credit can leave you wondering where to turn to next. If you are in a situation where you need to borrow some money, getting refused credit can be very frustrating, and leave you feeling as though you are out of options. […]

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Your credit rating is a number that lenders will use to decide how risky you are to lend money to. Whenever you apply for a credit card, loan or another type of finance agreement, the lending company will run a credit check on you before […]

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Credit ratings are often misunderstood and a mystery to most individuals, and when you have a bad credit rating it can be both stressful and costly. Having a healthy credit score can open up a range of financial options when you do need to obtain […]

If you have a poor credit rating and are unable to resolve it quickly, it can feel like you have no options when it comes to borrowing money. It is possible to get some forms of finance without the lender having to run a full […]

Posted in Credit, Loans | Comments Off on How To Borrow Money Without A Credit Check?

Getting on top of your finances in an economy such as ours can prove to be a difficult thing and the number of people requiring alternative methods of funding has increased exponentially. Borrowing money in a wide range of different ways has never been easier […]

Every time a new loan, credit card or finance product is arranged, it is covered by the Consumer Credit Act 1974. The Consumer Credit Act was explicitly designed to give consumers some protection when they take out financial products such as loan agreements and credit […]

When you decide to purchase a new motorbike, the chances are you want to get your hands on your new wheels as quickly as possible. Before you can get your leathers on and hit the road on your new bike, you first need to decide […]

For many individuals, one of the most important investments they will make is life insurance, and yet there are still a huge number of people across the country that have no cover in place. A good life insurance plan can be the difference between your […]

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Whether you are looking to purchase a van for your business or for personal use, finding the funds to buy a new vehicle can be a struggle. A van is often much more than just a useful vehicle for getting you from A to B, […]

If you are in need of a new van, either for your small business or for personal use, there are a range of finance options available to you. Purchasing a van is a big decision, and not everyone has the financial capacity to buy a […]

Having a range of different debts in various forms and across an array of lenders can be difficult to manage. Even the most organised of individuals can struggle to keep up with repayments on multiple debts and accidentally missing one can have a huge impact […]

Thousands of individuals in the UK struggle to get approved for traditional loans or credit because of low incomes and poor credit history. This can be incredibly frustrating, especially if an emergency or unexpected expense arises. An alternative lending option to traditional loans is a […]

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When you are in need of a new vehicle but don’t have the funds available to purchase it outright, it can be very stressful and frustrating, particularly if a car is essential for your day to day life. Luckily there is a range of options […]

Posted in Vehicle Finance | Comments Off on Car Hire Purchase Explained [Read All You Need To Know]

Finding yourself a new car is exciting, and often when you come across that perfect vehicle, you want to get your hands on it as soon as possible. The biggest challenge most car buyers come across is how to fund their new wheels, and if […]

Posted in Vehicle Finance | Comments Off on Car Finance: [The Experts Go-to Guide To Car Finance – All You Need To Know]

Thousands of individuals in the UK are struggling to make their funds last until their next payday and are turning to short-term or payday loans to help bridge the gap. They offer a quick and easy solution when a cash emergency arises, giving you access […]

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When it comes to borrowing money, lenders want to have a level of trust that you will be able to pay it back. Secured loans are a way for people to borrow a sum of money, which is secured against an asset such as a […]

Posted in Secured loans | Comments Off on What Is A Secured Loan? An Experts Guide to Homeowner Loans

Planning a holiday or trip is always an exciting time, and there is a lot to organise before take-off, including what to pack, how to spend your days, and how to get your travel money. The latter can cause a lot of confusion, with many […]

If you are under 55 and are looking to release equity from your home then there are a range of practical solutions that will enable you to release the money you need from your property without having to go down the traditional equity release route. […]

If you have never had a secured loan then you may be wondering what they are all about. Here we’ll explain what a secured loan is and how they differ from other types of loans on offer. A secured second charge loan A secured loan […]

If you are a homeowner pensioner or over the age of 60 and require a secured loan from £3,000 plus then please speak to us as we can help. We are able to arrange loans based upon your pension (either state or private) income, self […]

A debt consolidation loan is quite simple a new loan that you take out to pay off your existing debts. To consolidate all of your existing payment (credit cards, overdraft, loans etc) into one larger loan and only one repayment each month. Why and when […]

If you have been researching different types of loans in the hope to find out which is more suitable for you then this may help. Listed below are some of the standard features associated with each type of loan. The features of a unsecured (personal […]